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Garage Liability Insurance in Georgia

Georgia requires applicants for used motor vehicle dealer and used motor vehicle parts dealer licenses to show public liability and property damage insurance with limits of at least $50,000 per person and $100,000. The licensing rules also require the certificate to identify the applicant exactly and require proof at each established place of business. 1,2

What Is Garage Liability?

Garage liability can address injury and property-damage claims from auto repair and related garage operations. If you run a repair or service shop, check separately whether customer cars in your care need garagekeepers coverage for vehicle damage. Read the national Garage liability guide.

Georgia Requirements

RequirementDetails
Used motor vehicle and parts dealer license insuranceAt least $50,000 per person and $100,000; Rule 682-3-.04 does not state the unit for the second figure 1

What to Watch for in Georgia

  • Check Which Dealer License Applies

    Georgia’s Chapter 682 rules govern used motor vehicle dealers and used motor vehicle parts dealers. Confirm that your business is in this licensing class before relying on these limits; the rule is not evidence of a requirement for every repair shop or new-vehicle franchise. 1

  • Match the Certificate to the Application

    The application certificate must show the policy number, limits, expiration date, and the insured name and address exactly as on the application, with the designated State Board as certificate holder. Ask your broker to issue the filing for the correct licensee and location. 1

  • Account for Each Sales Location

    Georgia requires a used dealer to maintain an established place of business and keep proof of the bond and liability certificate there; each additional location must meet the licensing rules. Tell your broker about every approved site and get a temporary site permit before operating elsewhere. 2

  • Describe Customer Vehicles Separately

    The licensing rule specifies public liability and property damage insurance but does not say that it insures customer vehicles in the dealer’s custody. Ask the broker to identify how the quote treats vehicles held for repair, storage, pickup, or demonstration. 1

Who Regulates Insurance in Georgia

Georgia Office of Commissioner of Insurance and Safety Fire

Georgia’s elected Insurance and Safety Fire Commissioner licenses and regulates insurance companies and insurance professionals, investigates insurance fraud, and oversees consumer complaint services. The Office’s state license lookup covers agents, agencies, and companies. 3,4,5

Surplus-lines tax and stamping office

Reported tax rate: 4% of total premium when Georgia is the home state Georgia charges 4% on the total premium written and received by a surplus-lines broker when Georgia is the insured’s home state. Current fee treatment is not described here because the Department’s latest fee bulletin could not be retrieved as readable text; ask your broker for the policy-declaration and tax breakdown. This record does not state a Georgia-specific guaranty-fund conclusion. 6

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Georgia

  1. Will the certificate show the exact Georgia licensee name, address, policy limits, policy number, expiration, and State Board certificate holder?
  2. Are all established Georgia locations listed, and what filing is needed before a temporary off-site operation?
  3. How does the quote address customer vehicles in repair or storage, dealer demonstrations, and test drives?

Garage Liability in Georgia: FAQ

Does Georgia require insurance for a used motor vehicle dealer license? 1

Yes. Georgia Rule 682-3-.04 requires each applicant to show public liability and property damage insurance with at least $50,000 per person and $100,000 as cited in O.C.G.A. §43-47-8(k). The rule does not specify the unit for the second figure. 1

What must a Georgia used-dealer insurance certificate show? 1

It must include the policy number, limits, expiration date, and the insured’s name and address exactly as they appear on the license application, plus the named State Board as certificate holder. 1

Can a Georgia used dealer operate at another sales location without notice? 2

No. Georgia’s dealer-responsibility rule requires a temporary site permit before operating at a location other than the approved established place of business. 2

Garage Liability in Other States

Other Coverage in Georgia

Sources

  1. Chapter 682-3 Licensing, Rules 682-3-.01 and -.04. Georgia Secretary of State, Rules and Regulations of the State of Georgia; Rules 682-3-.01(c), 682-3-.04; Chapter applies to used motor vehicle dealers and used motor vehicle parts dealers. Accessed 2026-09-28.
  2. Chapter 681-9 Licensees to Comply With All Laws, Rule 681-9-.02. Georgia Secretary of State, Rules and Regulations of the State of Georgia; Rule 681-9-.02(1)(a), (c), (d). Accessed 2026-09-28.
  3. Office of Commissioner of Insurance and Safety Fire. Georgia Office of Commissioner of Insurance and Safety Fire; Official homepage; regulator role, elected commissioner, complaint and license lookup links. Accessed 2026-09-28.
  4. Agents, Agencies and Licensing. Georgia Office of Commissioner of Insurance and Safety Fire; Official state license lookup for agents, agencies, and companies. Accessed 2026-09-28.
  5. Report Complaints & Fraud. Georgia Office of Commissioner of Insurance and Safety Fire; Consumer Services complaint instructions and official complaint portal. Accessed 2026-09-28.
  6. Non-Admitted Insurance: Premium Tax FAQs. Georgia Office of Commissioner of Insurance and Safety Fire; 4% applies to total broker-written and received premium when GA is home state. Accessed 2026-09-28.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  9. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  10. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  11. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  12. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  13. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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